About United Trust Bank
United Trust Bank was incorporated in 1955, which makes it one of the older banks operating in the UK bridging space. For the first several decades the bank focused on other specialist finance activities before establishing its dedicated Bridging Finance division in 2010. Since then it has built what the business itself describes as an enviable reputation for competitive products, award-winning service and the ability to get complex deals done.
The bank is funded from its own savings deposit book — a structural advantage that few specialist bridging lenders can claim. It means UTB never faces the risk of a wholesale funding line being withdrawn, which gives borrowers genuine certainty of completion once a case has been approved. That certainty is the foundation of UTB's proposition: certainty, quality, tailoring, and strength. As a fully regulated bank, it operates under the oversight of both the FCA and the Prudential Regulation Authority, which is a level of regulatory scrutiny that goes beyond what applies to non-bank lenders.
United Trust Bank was a founding member of the Bridging & Development Lenders Association (BDLA), is a Patron of the NACFB, and is a member of the FIBA Lender Committee. Bridging rates are priced per case rather than published as standard — the team prices to the risk of each transaction individually. Both regulated and unregulated products are available.
Bridging Loans from United Trust Bank
UTB lends from £100,000 to £15 million on bridging, with terms up to 24 months and LTVs up to 75%. Rates are priced per case — contact a BDM for indicative pricing. Both regulated and unregulated bridging available. Coverage includes England, Wales and mainland Scotland on residential, HMO, mixed-use and land with planning.
What Can United Trust Bank Finance?
- Regulated residential bridging — chain break, downsizing
- Unregulated investment and BTL bridging
- HMO and mixed-use property
- Land with planning — considered case by case
- Large loans — specialist pricing on £5m+
- Development finance and property development
How to Apply with United Trust Bank
UTB works exclusively through registered intermediaries. Bridging enquiries go to [email protected] or by phone on 0207 190 5555. The bank is based at One Ropemaker Street, London EC2Y. Brokers can download a one-page quick enquiry form from the UTB website for a credit-approved DIP.
Contact
Address:
United Trust Bank Limited
One Ropemaker Street, London, EC2Y 9AW
Phone:
0207 190 5555